How Much Does Defensive Driving Lower Insurance?

Defensive Driving

You don’t want to be a backseat driver in your own finances and driving down the price of your expenses sounds good to anyone. You want a clean driving record, and road rage is something you may occasionally have but you want to avoid. If you struggle with defensive driving, then a defensive driving course may just be what you need. It can actually lower your insurance but by how much?

What is Defensive Driving?

Defensive driving is when a driver uses particular styles of driving that use different types of tactics to keep you and everyone else safe on the road. Individuals who attend defensive driving courses learn ways in which they can minimize being involved in a road accident. Most drivers are very unpredictable on the road. Some drink and drive, some speed, some don’t follow the rules of the road, etc. When you attend a defensive driving course, you learn ways of reducing other people’s mistakes affecting you and your vehicle on the road. Defensive driving offers a lot of benefits to drivers, and we will take a look at them below.

What are the benefits of defensive driving?

With a defensive driving course, you learn how to become aware and alert of everything on the road as you drive, making you a safer driver. Defensive driving will take you out of risky situations on the road. It also comes with a lot of benefits for the driver, i.e., it reduces your license points, reduces your auto insurance premiums, saves your license, and most importantly, saves your life. Below we will take a look at these benefits in detail:

Reduces your license points

When you get a lot of tickets, it might affect your driving record. As a result, you might be viewed as someone who has a bad driving record. This will then affect you when getting your car insurance as it usually costs higher for individuals with bad driving records. To avoid this from happening, you should take a defensive driving course. Doing so will also help you reduce the number of license points. Defensive driving courses are a great way of improving your driving record even if you already have one. Most car insurance companies feel it safe to cover someone with a defensive driving course. Having too many points puts you at risk of losing your license, and you may not be able to drive legally.

Defensive driving saves your life

Defensive driving allows you to be alert and aware on the road. All these will ensure that you stay safe and make you 90% less likely to die in a car accident. Overall, your defensive driving course teaches you ways to prevent accidents, ways to avoid distractions, ways to deal with reckless drivers, and a lot more. All that you learn will help you save your life while on the road where there are many people of different characters.

Different Strokes for Different Folks

The fact of the matter is that insurance companies will differ when it comes to defensive driving insurance discounts. Some won’t give you one at all. Others will give you a discount of up to 20%, though 10% is pretty much the standard among most. At the end of the day, being a safe driver is the most important thing of all. You’ve got to consider polishing up your skills with a defensive driving course.

Not Everyone is Invited to the Party

It’s also important to consider the fact that not everybody qualifies for an insurance discount just for taking a defensive driving course. First of all, if you’re taking the course just to dodge traffic tickets, you’ll be disqualified. If you’re doing it for the sake of a court order, you’re out. Maybe you live in a certain state or you’re of a particular age group, you may not be worthy of the discount. What this means is that you’ve got to consider whether it’ll be of any benefit to you.

In With the New

Getting a discount for your defensive driving course doesn’t make you good for life. These are insurers you’re talking about here, so you’re going to have to maintain your safe driver status. What this means is that you may have to retake the course every two years. When you think about all the money you could save though, you really get some bang for your buck. Contact us today!

Byron Johnson Blog Icon By: Byron Johnson